TBIL vs VXUS
F/m US Treasury 3 Month Bill ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 8,747 holdings.
Side-by-Side Comparison
| Metric | TBIL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.05% | |
| AUM | $7.3B | $158.1B | |
| Dividend Yield | 4.04% | 2.59% | |
| Holdings | 2 | 8,747 | |
| YTD Return | +2.05% | +14.98% | |
| 1Y Return | +3.53% | +25.63% | |
| 3Y Return (annualized) | +4.42% | +19.65% | |
| 5Y Return (annualized) | - | +9.30% | |
| Volatility (annualized) | 0.3% | 15.1% | |
| Max Drawdown | -0.3% | -39.9% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 8, 2022 | Jan 26, 2011 |
TBIL vs VXUS Performance
F/m US Treasury 3 Month Bill ETF (TBIL) is a ETF from US Benchmark Series and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TBIL returned +3.53% while VXUS returned +25.63%. Year to date, TBIL is up 2.05% versus a gain of 14.98% for VXUS.
Over three years, TBIL compounded at +4.42% per year against +19.65% for VXUS. Across the full 4-year window we track, VXUS has the edge at +4.87% annualized vs +4.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 0.3% for TBIL. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -0.3% for TBIL and -39.9% for VXUS. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TBIL charges 0.15% per year while VXUS charges 0.05%. On a $10,000 position that is $15 vs $5 annually, a gap of $10 per year that compounds over a long holding period. On income, TBIL currently yields 4.04% against 2.59% for VXUS.
Holdings Overlap
TBIL and VXUS share 0 holdings out of 7870 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TBIL or VXUS?
TBIL has an expense ratio of 0.15% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, TBIL or VXUS?
Over the past year TBIL returned +3.53% vs +25.63% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (4 years), TBIL annualized +4.42% vs +4.87% for VXUS. Past performance does not guarantee future results.
Which is riskier, TBIL or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 0.3% for TBIL. Worst drawdown: TBIL -0.3% vs VXUS -39.9%.
Should I hold both TBIL and VXUS?
TBIL and VXUS have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TBIL and VXUS?
TBIL and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7870 unique securities.
Which pays a higher dividend, TBIL or VXUS?
TBIL yields 4.04% while VXUS yields 2.59%, so TBIL currently pays the higher dividend yield.
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